Central Credit Services or CCS is a third-party collection agency based in Florida. CCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failure to verify debts and attempting to collect debts not owed. If you have been contacted by this debt collector, understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Central Credit Services, LLC is a legitimate collection agency founded in 1987 and incorporated in 2013. The BBB established its profile page in 1988. CCS is listed as a collection agency. Buzzfile estimates CCS’ annual revenue at $1.1 million and the size of its headquarters staff at 42 people.
Central Credit Services’ website consists of one page that provides information to site visitors who “have received a letter or call regarding an account.” The webpage instructs letter recipients and site visitors to contact CCS at their toll-free number. Site visitors who have not received a collection notice are advised “as a last resort…to send payments and correspondence” directly to CCS’ postal address.
Central Credit Services’ webpage also contains a web-based contact form that requests site visitors’ contact information, CCS account number, and area of concern—account management, contact request, or other concern. The web-based contact form will not accept contact requests without a CCS contact number, and CCS indicates that to “ensure compliance with Federal laws, they are unable to reply via email to any information…submitted using this form.”
The bottom half of the page lists consumer notifications “required under certain state and local laws.” The list of notifications on their site is not “a complete list of the rights consumers have under federal, state or local laws.”
CCS’ Careers link leads to the Careers page of Radius Global Solutions, a “provider of accounts receivable, customer relations, and revenue cycle management solutions.” Radius Global Solutions is headquartered in Pennsylvania and has offices in Jacksonville, FL, where Central Credit Services is headquartered; throughout the United States; and internationally.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 150 complaints against Central Credit Services in the past three years, with 52 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since September 2015, the Consumer Financial Protection Bureau (CFPB) has received 84 complaints about CCS and/or Radius Global Solutions. Justia lists at least 24 cases of civil litigation involving Central Credit Services
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Case Complaint:
Most of the complaints about Central Credit Services on their BBB profile page appear without the complaint details available. Those complaints that do include details frequently cite miscommunication and problems with establishing accurate documentation of delinquent amounts.
In May 2017, a complainant indicated her attempts to communicate with CCS via an outsourced call center in India were unprofessional. The complainant alleged that the “India office is extremely disrespectful to women.” The complainant indicated that the caller asked to speak only to her husband, insulted her, and when she “asked to speak with the American office they laughed.” The complainant indicates that Central Credit Services’ “business in America has great customer service because they respect state laws as well as federal, but the India office said they don’t have to care about the laws because they’re not in America.”
Also in May 2017, a complainant alleged that he had issued a check payment to CCS in the amount of $75.00. The complainant’s bank statement indicated that the check cleared his account. He provided a Central Credit Services representative with a copy, but the payment was still not credited toward his outstanding balance. He expressed his concern that future payments would be similarly mismanaged, requested that the $75.00 either be refunded or credited to his account, and that CCS stop future automatic payments.
In March 2017, a complainant indicated he had received a letter requesting payment of $378.00 for a car lease agreement. The complainant had paid the amount requested one year previous to the complaint and had received confirmation that the check had been deposited. The March 2017 complaint resulted from his receipt of a collection letter from CCS demanding payment for the past due amount he had already cleared. His attempts to resolve the matter by contacting CCS resulted in “the run-around.” At some point, a Central Credit Services representative confirmed that he no longer owed the outstanding balance, but the complainant had been unable to confirm with them that the matter was the result of an error.
Central Credit Services did not post a response to any of these complaints.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Consumers have reported this agency harassing them from the following numbers:
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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They are calling e for a debt I know nothing about. Calling family and friends and ex husband and parents. I asked them what the debt was about and they asked for my credot card said they had apapers to serve and if I paid they wouldn’t serve me. They yell when they call and intimidate and harass. They could have found me by calling my published number online
Central Services is attempting to collect a debt from me, I told them I did not have the money and they told me they were going to meet me at my house, the address they have is for my mother. They are calling me and my mother claiming I committe fraud and I did not intend to pay the bill, i have made payments on the account and am not able to pay at this time.
Carmen Hill
404-516-7324
They asked me for the bank account numbereven after I asked them several times who they represented they tell me would have to give then my bank account number first to answer any questions
I had been paying CCS for about 6 months. The past 2 months I have not paid. I am now trying to pay on that bill. CCS now will not let me pay on that bill unless I set up a recurring automatic payment with them. So now I am not able to call them to make partial payments unless I pay all or set up automated system.
i have central credit services on my credit report & i didnt do any new credit this year
I want them to stop calling me, LEAVE ME ALONE!!!!!! $$$